Articles

Ross Polking Thumbnail Photo

You can’t avoid it; it’s coming, and there’s nothing you can do about it. No, not the fiscal cliff; rather, the annual ritual of making New Year’s resolutions! Our good intentions to make changes that will improve health, relationships, eating habits, etc. often flounder. 80% of all such resolutions, on average, fail by January 20! For those resolving to improve their financial standing in the coming year, we offer the following...

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Martha Gribble

“Money is the opposite of the weather. Nobody talks about it, but everybody does something about it.” Rebecca Johnson, Vogue September, 2007 How very true! We talk or fret about money in general, but most hold very private their personal financial details. We all face financial decisions daily. I have been asked if the behavior of women differs from that of men in this area. One study, the 2013 Report on U.S....

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Ross Polking Thumbnail Photo

You’ve spent your career saving for retirement. Your wealth enhancement strategy was spot on, and you’ve finally come to the next exciting journey. It may seem there’s little left to do except enjoy the accumulated fruit of your labor. But in actuality, without as many—or any—income sources, it becomes even more important to employ the right withdrawal strategy in order to maximize portfolio sustainability and mitigate tax concerns. A wealth enhancement...

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Ross Polking Thumbnail Photo

What do physicians and Warren Buffet have in common? The ability to capture the public’s attention with expertise in an area of great interest. The public listens and takes note, but often doesn’t follow the advice offered. Right? One could argue that the follow-through rates for patients following your advice is actually much higher than those tuning in to what Mr. Buffet has to say. It’s interesting...

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Reed Rinderknecht, CFP®

A physician called last week to say he had decided to direct all of his 401k contribution for 2013 into the new Roth 401k that his practice had recently begun offering to participants. He even emailed his colleagues, urging them to do likewise! “If I pay the taxes on my contribution now with a Roth 401k, then later when it’s time to withdraw my money, I’ll have no further taxes to...

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Kent Kramer

Lemons into lemonade. Clouds with silver linings. Investment losses into tax savings? Every investor will experience investment losses and feel the disappointment of seeing their wealth diminish periodically. But it’s possible to take steps that are advantageous to wealth enhancement even in periods of market downturns. One such strategy is tax loss harvesting (TLH). At first glance, TLH can appear to be the opposite of what an investor...

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Kent Kramer

Balance: a state of equilibrium or equipoise; equal distribution of weight, amount, etc. Traditionally, investors are advised to balance their portfolio between stocks and bonds to manage risk and return, a two-variable exercise. However, in working with individuals, families and institutions, this two-dimensional approach to portfolio management neglects a third, equally crucial consideration, a well-defined and, wherever possible, quantifiable set of personal goals. Read More


Ross Polking Thumbnail Photo

As another calendar year comes to a close, we have opportunity to reflect on what has been an interesting, trying, exciting and tumultuous twelve months. The list is long and the emotions are high. Elections, Ebola, World Cup, ISIS, Ukraine, Economy, Immigration, and on it goes…as it does every year. On a more personal level, most investors have probably experienced changes in their family, career, health, goals, and/or finances. All things...

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Ross Polking Thumbnail Photo

If you were considering eye surgery, chances are you’d do some research to raise the probability of a successful outcome. You’d likely want to know which procedures offer patients the most vision and clarity. You’d want to know which doctors perform that procedure and about their experience, success rate and overall cost. You’d want evidence to support your decision; you have one set of eyes and your vision is crucial. Medical...

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Ross Polking Thumbnail Photo

The world watches as the U.S. political “market” struggles through one crisis after another: a contentious election, debt ceiling debates, fiscal cliffs, spending sequestration. At the same time though, capital markets are performing remarkably well. The S&P 500 is up more than 27% in the past 12 months (through May 2013). In fact, both the S&P 500 (large companies) and the Russell 2000 (small companies) achieved historic highs during May. Stock...

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